Cheap Car Insurance in Missouri

Cheap Car Insurance in Missouri

It is mandatory to get car insurance in Missouri for drivers to drive legally in the state. Different companies in Missouri provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Missouri:

Name of the Company Average annual car insurance premiums
The Hartford $806
Travelers $1024
Allied $1052
MO Farm Bureau $1195
USAA $1240
Nationwide $1495
State Farm $1572
Electric $1755
Progressive $1925
Cameron $1925
Columbia Insurance $1935
Shelter $1993
Encompass $2006
GEICO $2078
American Family $2097
Allstate $2243
Automobile Club of Missouri $2435
Metropolitan $2496
Farmers $2588
Safe Auto $2592
Safeco $2749

Cheap car insurance in Missouri for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Missouri with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Missouri provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Missouri by maintaining a good driving record. Most auto insurance companies in Missouri provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $318 on car insurance premiums in Missouri.
  •  Drivers may save $553 on car insurance premiums if they have an accident-free record in Missouri.
  •  By maintaining a good credit history you may save $1593 on car insurance premiums in Missouri. 

Cheap car insurance for inexperienced drivers in Missouri

Most auto insurance providers may charge high auto insurance premiums in Missouri from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Missouri vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Missouri. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5017 $6890
17 $4813 $5293
18 $4893 $4560
19 $4181 $3177

Affordable auto insurance in Missouri for high-risk drivers

Car insurance companies in Missouri charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Missouri can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Missouri may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1868
DUI $1825
Speeding Violation $1633
Bad Credit $2907

Best car insurance companies in Missouri

Car insurance prices in Missouri may vary from company to company. Some companies in Missouri charge lower car insurance premiums than others. To get the best auto insurance policy in Missouri you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Missouri by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Missouri:

  1. 21st Century
  2. Allied
  3. Allstate
  4. Cameron Mutual
  5. Electric
  6. Farmers
  7. GEICO
  8. MetLife
  9. Nationwide
  10. Progressive
  11. Shelter
  12. State Farm
  13. The Hartford
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Missouri?

The average annual cost to get the minimum required coverage in Missouri may be around $525.  The minimum required coverage for drivers in Missouri to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $10000

 The state minimum auto insurance requirements in Missouri

The state minimum auto insurance coverage requirement in Missouri is liability coverage.

  1. $25000 bodily injury coverage per person is required in Missouri.
  2. $50000 bodily injury coverage per accident is required in Missouri.
  3. $10000 property damage coverage per accident is required in Missouri.

Other types of optional coverages in Missouri are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury
  7. Uninsured Motorist Property Damage
  8. Medical and Funeral Services

Fine for driving without car insurance in Missouri

If anyone caught driving without a car insurance policy in Missouri then police may charge a fine or suspend driver’s license. 

Car insurance prices by cities in Missouri

Car insurance premiums in Missouri may vary from city to city. In some cities of Missouri, car insurance prices are high compared to others.

City Average annual insurance premiums
Saint Louis $2545
Florissant $2068
University City $2020
Mehlville $2012
Kansas City $1997
Independence $1873
Chesterfield $1868
Wildwood $1867
Ballwin $1844
Liberty $1760
Lee’s Summit $1756
Blue Springs $1720
Springfield $1672
Cape Girardeau $1663
Columbia $1656
Jefferson City $1512

If you are looking for a car insurance deal in Missouri, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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